How about saving for retirement? Who knows if social security will even be around in a few more years. With the increasing cost of living that money will be swallowed up fast anyway. Saving for the kids college fund seems to be a distant dream now. Every day you see and hear about people being laid off and forced into early retirement. People are swimming in a sea of credit card debt. Foreclosures are at record highs. I talk to a lot of people and hear how they don't to hav...